Software as a service (SAAS) services featuring software for use by businesses and their customers in electronically communicating and interacting via the Internet, phone, email, text messages, mobile devices, and social media, for advertising, marketing, customer relationship management, scheduling appointments, displaying and responding to consumer reviews, conducting, collecting and disseminating online surveys and reviews, for providing, accessing and monitoring business information, personal information, documents, forms and images, for paying bills, for creating and delivering e-newsletters, and for identifying geographical location of customers, patrons and patients